Goshen, NY · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Goshen, New York (NY)
Search active homes in Goshen, NY with low-rate assumable FHA, VA, and USDA loans (2.25%–4.25%). Use our interactive equity gap and 2nd-loan calculator to slide your down payment, estimate local property taxes (Goshen Area · 1.64%/yr), and get quotes from lenders serving Goshen.
Assumable Mortgage Buyer ConciergeGoshen, NY
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Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Goshen, NY.
Assumable Mortgage Scenarios in Goshen & New York
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USDA 3.75% AssumableSave -$317/mo$99,0003 bd · 2 ba · 1,950 sqft
260 PHILLIPSBURG RD
Goshen, NY 10924
1st Loan Balance$56,500
Est. Equity Gap$42,500
Calculate Payment & 2nd Loan
USDA 5.15% AssumableSave -$2,656/mo$1,099,9004 bd · 3 ba · 3,891 sqft
24 NORTHGATE
Goshen, NY 10924
1st Loan Balance$398,600
Est. Equity Gap$701,300
Calculate Payment & 2nd Loan
VA 4.35% AssumableSave -$1,782/mo$479,0003 bd · 2 ba · 1,996 sqft
28 MAPLE AVE
Goshen, NY 10924
1st Loan Balance$248,700
Est. Equity Gap$230,300
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$2,661/mo$750,0004 bd · 2.5 ba · 2,780 sqft
5 SPRUCE HILL LN
Goshen, NY 10924
1st Loan Balance$465,400
Est. Equity Gap$284,600
Calculate Payment & 2nd Loan
VA 5.65% AssumableSave -$962/mo$419,0003 bd · 1 ba · 1,105 sqft
19 JUDD PL
Goshen, NY 10924
1st Loan Balance$305,400
Est. Equity Gap$113,600
Calculate Payment & 2nd Loan
VA 3.65% AssumableSave -$1,648/mo$519,0003 bd · 2.5 ba · 2,037 sqft
2 OXFORD RD
Goshen, NY 10924
1st Loan Balance$264,900
Est. Equity Gap$254,100
Calculate Payment & 2nd Loan
VA 3.35% AssumableSave -$1,284/mo$399,9993 bd · 2 ba · 1,378 sqft
88 GOLDEN HILL AVE
Goshen, NY 10924
1st Loan Balance$231,100
Est. Equity Gap$168,899
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,524/mo$425,0004 bd · 1 ba · 1,848 sqft
15 WILLIAM ST
Goshen, NY 10924
1st Loan Balance$266,400
Est. Equity Gap$158,600
Calculate Payment & 2nd Loan
VA 5.75% AssumableSave -$1,068/mo$499,9004 bd · 2.5 ba · 3,140 sqft
164 GREENWICH AVE
Goshen, NY 10924
1st Loan Balance$367,800
Est. Equity Gap$132,100
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$286/mo$89,9003 bd · 2 ba · 1,950 sqft
183 W MAIN ST
Goshen, NY 10924
1st Loan Balance$51,800
Est. Equity Gap$38,100
Calculate Payment & 2nd Loan
VA 3.55% AssumableSave -$1,876/mo$599,0005 bd · 3 ba · 1,848 sqft
1 TIMBERLY DR
Goshen, NY 10924
1st Loan Balance$383,200
Est. Equity Gap$215,800
Calculate Payment & 2nd Loan
VA 5.15% AssumableSave -$2,176/mo$899,0006 bd · 4 ba · 3,957 sqft
48 SOUTH ST
Goshen, NY 10924
1st Loan Balance$635,000
Est. Equity Gap$264,000
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Goshen, NY
Which loans are assumable in Goshen, NY?
All government-insured FHA, VA, and USDA residential mortgages in Goshenare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Goshen buyers finance the equity gap?
If a home in Goshen is listed at $475,000 with a $315,000 assumable balance, the equity gap is $160,000. You can either bring cash or pair the 1st mortgage with a 2nd-position loan from participating Goshen lenders so you only bring 5%–10% down.
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